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Card as a Service for lending and credit fintechs

Give your customers instant access to credit and increase customer loyalty.

What is Card as a Service?

Fintech use cases

Enfuce Card as a Service is a one-stop-shop for card issuing and payment processing for lending and credit fintechs and other growth-minded companies. If you’re looking to design, launch and scale feature-rich payment cards for your customers, Card as a Service is for you!

Benefits of Card as a Service

Turnkey service

Focus on your core business and user experience while we take care of the business and compliance matters, and provide the high-performance processing platform.

Scalability and growth​

Partnering with us means low overhead for your business and only paying for what you use. You’ll benefit from our global reach and broad range of available card types and add-on features.

Increased customer loyalty

Through credit cards, you can interact with your customers in a new way and increase customer loyalty by providing real-time access to credit.

Top industry experts

You don’t need to do it alone. Our experts will help in designing the payment solution to drive your success. You’ll also have our support in your everyday operations as a card issuer.

Stay at the forefront

You’ll get access to the newest digital payments features throughout your journey. We were the first payment processor in cloud and have built industry-shaping features ever since.

How to launch the winning payment card

Your complete guide to successful card issuing in 2020s: Everything you need to know to issue a future-proof card product, including use cases, ecosystem partners, build vs. buy considerations, and more.

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ultimate card issuing guide

Want to learn more about the basics of payments?

Read this article to find the answers to most frequently asked questions that will help you learn who is involved in different processes and how card issuing and payment processing works in practice.

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Smooth onboarding is not just a tech project but also a collaboration project. There are three cornerstones of how we plan your onboarding.

Get your payment product live smoothly


Having clear documentation and a structured plan is key. Our proven and tested off-the-shelf features make sure that you don’t always have to start from scratch. The tech also needs to be secure, compliant and scalable.


You’ll be assigned a specific Customer Success Manager (CSM). As your one-stop contact for anything you need, the CSM also makes sure your project proceeds according to plan and gets you access to the resources you need, when you need them.


Your onboarding follows a four-phase project structure that helps you build your app towards our APIs in a focused way. You won’t have to wait for large building blocks to fall in place before you can start.

This is how we help you issue payment cards

  • Solution design
    • Workshops with our experts
    • Defining your card solution
  • Onboarding
    • Product configuration
    • Required enablers
    • UI and app design
  • Launch
    • Street pilot and initial user feedback
    • Launch your card
  • Scaling up
    • Enter new geographical market
    • Grow your userbase
  • Evolution
    • Continuous user analytics
    • Unlock new features

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